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title: "21 Reasons You Need Title Insurance"
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summary: "Title insurance protects property owners against defects in title and challenges to rightful ownership arising from past circumstances, covering legal fees, court costs, and reimbursing covered losses. Fidelity National Title provides comprehensive protection for real estate investments, ensuring complete security when combined with other insurance coverage."
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# 21 Reasons You Need Title Insurance

21 Reasons For Title Insurance Buying Property Is A Numbers Business A fire destroys only the house and improvements. The ground is left. A defective title may take away not the only the house but also the land on which it stands. Title insurance protects you (as specified in the policy) against such loss. A deed or mortgage in the chain of title may be a forgery. A deed or a mortgage may have been signed by a person under age. A deed or a mortgage may have been made by an insane person or one otherwise incompetent. A deed or a mortgage may have been made under a power of attorney after its termination and would, therefore, be void. A deed or a mortgage may have been made by a person other than the owner, but with the same name as the owner. The testator of a will might have had a child born after the execution of the will, a fact that would entitle the child to claim his or her share of the property. A deed or mortgage may have been procured by fraud or duress. Title transferred by an heir may be subject to a federal estate tax lien. An heir or other person presumed dead may appear and recover the property or an interest therein. A judgment or levy upon which the title is dependent may be void or voidable on account of some defect in the proceeding. Title insurance covers attorneys’ fees and court costs. Title insurance helps speed negotiations when you’re ready to sell or obtain a loan. By insuring the title, you can eliminate delays and technicalities when passing your title on to someone else. Title insurance reimburses you for the amount of your covered losses. A deed or mortgage may be voidable because it was signed while the grantor was in bankruptcy. Each title insurance policy we write is paid up, in full, by the first premium for as long as you or your heirs own the property. There may be a defect in the recording of a document upon which your title is dependent. Claims constantly arise due to marital status and validity of divorces. Only title insurance protects against claims made by non-existent or divorced "wives" or "husbands." Many lawyers, in giving an opinion on a title, protect their clients as well as themselves, by procuring title insurance. Over the last 24 years, claims have risen dramatically. We Hope You Never Have A Title Claim Americans have the future in mind when they buy a house, and they purchase homeowners insurance to help protect that future. But with homeownership comes the need to protect the property against the past, as well as the future. Title insurance protects a policyholder against challenges to rightful ownership of real property, challenges that arise from circumstances of past ownerships. Each successive owner brings the possibility of title challenges to the property. When you purchase real property, rely on Fidelity National Title to protect your interests. You’ll be insured by a company backed by a long history of successful title operations. Rely On Fidelity National Title To Protect Your Investment Every owner, purchaser and beneficiary, whether by a deed or contract, should have an insured title. The entire investment depends upon the quality of title. If you are buying real estate mortgages, you are paying for a good title and you should see that you have one. If either fire insurance or title insurance is omitted, your security is not complete. Our title policy protects you against unforeseen defects in title that an abstract or the public records do not show and cannot show…nor any attorney’s opinion includes. Whether this is your first or fiftieth real estate investment, ask your real estate agent or broker to specify Fidelity National Title during your transaction.   What is Title Insurance? Why Do You Need Title Insurance? Steps in the Title Process Common Ways to Hold Title 21 Reasons for Title Insurance The Preliminary Report Homeowner's Policy of Title Insurance   Copyright © 2026 Fidelity National Title. Other Languages:   Spanish  •   Korean  •   Chinese  •   Vietnamese OFAC SDN Search   |   Privacy   |   California Privacy   |   Terms of Use   |   Webmaster   |   Accessibility *The statements made on this web page and any page that follows within the Fidelity National Title website are not intended, and shall not be construed to expressly or impliedly issue or deliver any form of written guaranty, affirmation, indemnification, or certification of any fact, insurance coverage or conclusion of law.